The best credit card in Germany helps you make the most of your daily spending with benefits like cashback, rewards, and travel perks. Since there are many options to choose from, it’s essential to select a card that suits your financial situation and way of life.
In this guide, we will look at some of the top credit cards in Germany, comparing their benefits, costs, and special deals to assist you in finding the perfect card for your needs.
The 5 Best Credit Cards in Germany for 2025
Here is our list of the top credit cards in different categories. If you want travel perks, flexible payment choices, or premium features, these cards are notable for their great benefits and high value.
- Gebührenfrei – Advanzia Mastercard Gold: The best credit card with a fast online application
- TF Mastercard Gold: The best credit card for 2025
- Barclays Visa
- Instabank Kreditkarte: The credit card that doesn’t require Schufa
- Deutschland Kreditkarte Classic: The best credit card for traveling
1. Advanzia Mastercard Gold
The Gebührenfrei – Advanzia Mastercard Gold credit card comes with a full insurance package and has no annual fee. Cardholders can enjoy discounts on car rentals, free cash withdrawals anywhere in the world, and a simple online application process.
This means that applicants can get their card quickly and start using it immediately for online shopping and daily expenses. Moreover, the Advanzia Mastercard Gold provides an interest-free credit period of up to seven weeks.
Credit interest: 20.63%
Effective annual interest rate: 24.63%
Annual fee: 0 €
Maximum credit limit: 15,000 €
2. TF Mastercard Gold
The TF Mastercard Gold is the top credit card in Germany for 2025. This card has no annual fee and allows free cash withdrawals without any foreign currency charges. It offers up to 51 days of interest-free payments and the option to pay in installments, providing you with financial flexibility.
With the TF Mastercard Gold, you can also earn cashback through the TF Bank Advantage Club, as well as enjoy extensive travel insurance coverage.
Interest Rate 22.35 %
Effective Annual Rate 24.79 %
Annual Fee 0 €
Maximum Credit Limit Based on Creditworthiness
3. Barclays Visa
Barclays Visa
Barclays Visa is a great free credit card that also eliminates other fees, making it one of the most affordable credit cards in Germany. Not only does Barclays Visa have no annual fee, but it also has no fees for currency exchanges or cash withdrawals. This means you can make all your card transactions without any additional costs.
Barclays Visa provides an interest-free period of up to 8 weeks and offers €1000 in instant cash that can be transferred from your credit card to your current checking account even before you receive the card.
Interest Rate 19.64 %
Effective Annual Rate 21.51 %
Annual Fee 0 €
Maximum Credit Limit Depends on Creditworthiness
4. Instabank Credit Card
Instabank Credit Card
The Instabank Credit Card is the best option available that doesn’t require a Schufa check. Instead of checking Schufa, Instabank uses Experian to evaluate creditworthiness. This makes the Instabank Credit Card a great choice for anyone who wants to avoid affecting their Schufa score. Once your application is approved, you can start using the card right away through the Instabank app.
The Instabank Credit Card is completely free, with no monthly or annual fees, and it also provides exclusive discounts every month through the 10% Club.
Credit Interest 18.90 %
Effective Annual Interest Rate 20.63 %
Annual Fee 0 €
Max. Credit Limit 25,000 €
5. Deutschland Kreditkarte Classic
Deutschland Kreditkarte Classic
The Deutschland Kreditkarte Classic is a fantastic choice if you’re looking for a card that offers travel perks and flexible payment options, all without an annual fee. This credit card provides premium advantages like cashback and a 5% discount on holiday trips, rental cars, and vacation homes. You can also use the Deutschland Kreditkarte Classic as a virtual card with Apple Pay, and it allows you to pay your bill in installments.
You can withdraw cash for free anywhere in the world, and there are no fees for payments in foreign currencies. Additionally, the Deutschland Kreditkarte Classic comes with travel insurance, making it a great option for anyone in need of a valuable travel credit card.